Home is the nicest word there is.


Laura Ingalls Wilder


Ameroy Cotton

Senior Loan Officer

NMLS ID# 2264774

F:
(270) 721-1159
A:
1823 Mcintosh Street
Suite 114A
Bowling Green, KY 42104

As a lending professional at Bay Equity, I am dedicated to helping you with all of your home mortgage needs. The housing and mortgage markets are constantly changing, and I can help you navigate the many options to find the right loan for you and your family.

For me, home is more than just four walls—it’s where life happens. Whether you are buying or refinancing, purchasing your first home, or building your dream home, I am here to explore the many financing options available to make your homeownership goals a reality. My mission is to provide a smooth and stress-free lending experience, ensuring you feel confident and supported every step of the way.

You are invited to apply online or contact me to set up an appointment. Either way, you will receive my immediate and personal attention.

Let’s find the perfect loan to get you home!

Loan Calculators


Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

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